Prior to the financial crisis of 2007-2008 economists thought that no such crisis could or would ever happen again in the United States that financial events of such magnitude were a thing of the distant past. In fact observers of that distant past--the period from the half century prior to the Civil War up to the passage of deposit insurance during the Great Depression which was marked by repeated financial crises--note that while legislation immediately after crises reacted to their effects economists & policymakers continually failed to grasp the true lessons to be learned. Gary Gorton considered by many to be the authority on the financial crisis of our time holds that economists fundamentally misunderstand financial crises--what they are why they occur & why there were none in the U.S. between 1934 & 2007. In Misunderstanding Financial Crises he illustrates that financial crises are inherent to the production of bank debt which is used to conduct transactions & that unless the government designs intelligent regulation crises will continue. Economists he writes looked from a certain point of view & missed everything that was important: the evolution of capital markets & the banking system the existence of new financial instruments & the size of certain money markets like the sale & repurchase market. Delving into how such a massive intellectual failure could have happened Gorton offers a back-to-basics elucidation of financial crises & shows how they are not rare idiosyncratic unfortunate events caused by a coincidence of unconnected factors. By looking back to the " from 1934 to 2007 when there were no systemic crises & to the " he brings together such issues as bank debt & liquidity credit booms & manias & moral hazard & too-big-too-fail to illustrate the costs of bank failure & the true causes of financial crises. He argues that the successful regulation that prevented crises did not adequately keep pace with innovation in the financial sector due in large part to economists misunderstandings. He then looks forward to offer both a better way for economists to conceive of markets as well as a description of the regulation necessary to address the historical threat of financial crises." ...

THE MITFORD GIRLS tells the true story behind the gaiety & frivolity of the six Mitford daughters
- & the facts are as sensational
...

Carefree revelatory & intimate this selection of unpublished letters between the six legendary Mitford sisters compiled by Diana Mitfords daughter-in-law is alive with wit passion & heartbreak. The letters chronicle the social quirks & political upheavals of the twentieth century but also chart the stormy enduring relationships between the uniquely gifted
- & collectively notorious
- Mitford sisters. Theres Nancy the scalding wit & bestselling novelist; Pamela who craved a quiet country life; Diana the fascist wife of Sir Oswald Mosley; Unity whose obsession with Adolf Hitler led to personal tragedy; Jessica the runaway communist; & Deborah the socialite who became Duchess of Devonshire. Writing to one another to confide tease rage & gossip the Mitford sisters set out above all to amuse. A correspondence of this scope is rare; a collection penned by six born storytellers is irreplaceable.

...

At the age of eight Diane Lazarus first experienced the power of her amazing gift by seeing hearing & speaking to spirits. Since then Diane has learned to control her gift switching it on & off at will. Today she is rated in the top five professional psychics worldwide & was recently the winner of the TV series Psychic Challenge". Her ability to visualize past & future events means shes frequently used by police throughout the UK & her accuracy in several murder investigations have prompted senior officers to call for her psychic assistance in a number of high profile crimes. The book recounts how she first discovered her gift
- which turned out to be understandably
- a pretty terrifying experience & how she came to develop it despite the disapproval & disbelief of many of those around her. Dianes childhood was a struggle her family suffered at the hands of their violent father & although they managed to escape his grasp it took time for Diane to become confident in her gift
- a mixed blessing but one that she has managed to use to benefit so many others."


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Love is always just around the corner in a Jill Mansell novel
- with a few surprises & a lot of humour on the way to happiness.
...

Glorious rejacket of the story collection set in the worlds of Chrestomanci. The stories featured in this collection are: Warlock at the Wheel Stealer of Souls Carol Oneirs Hundredth Dream The Sage of Theare Everybodys favourite nine-lifed enchanter makes a guest appearance in each tale. Plus man favourites from the Chrestomanci novels
- & a cast of thousands! With illustrations by Tim Stevens.
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The National Curriculum has heightened the importance of teaching all aspects of media
- print sound & moving image. Mixed Media
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This fantastic split page book allows the reader to mix & match different combinations of fairy tales with hilarious results. What would happen if Goldilocks had two horrid stepsisters & fell asleep for a hundred years? Would she be woken by a hungry wolf or Little Red Riding Hoods Granny? ...

The Mixed-Up Chameleon" is a captivating picture book from Eric Carle author-illustrator of " The Very Hungry Caterpillar" that teaches young children the key differences between animals & the importance of being yourself. A chameleon's antics with colour shape & size show what makes each animal different & why it's important to be yourself. Eric Carle is an award-winning & bestselling author-illustrator of books for very young children. His books include the much-loved classic " The Very Hungry Caterpillar" " Rooster's Off to See the World" " Today is Monday" " Draw Me a Star" " The Very Busy Spider" & " The Bad-Tempered Ladybird". His most famous book " The Very Hungry Caterpillar" has sold over 33 million copies worldwide & has been translated into over 50 different languages; several enhanced editions of " The Very Hungry Caterpillar" are available from Puffin." ...

Your mix can make or break a record & mixing is an essential catalyst for a record deal. Professional engineers with exceptional mixing skills can earn vast amounts of money & find that they are in demand by the biggest acts. To develop such skills you need to master both the art & science of mixing. The new edition of this bestselling book offers all you need to know & put into practice in order to improve your mixes. Covering the entire process --from fundamental concepts to advanced techniques -- & offering a multitude of audio samples tips & tricks this book has it all. Roey Izhaki teaches you the importance of a mixing vision how to craft & evaluate your mix & then take it a step further. He describes the theory & the tools used & how these are put into practice while creating mixes. Packed full of photos graphs diagrams & audio samples Mixing Audio is a vital read for anyone wanting to succeed in the field of mixing. New to this edition: * Multitracks provided to help practice mixing * Fully updated with current plug-in & software version & information * Companion website with a multitude of new samples including more macro-mixing samples * A new sample mix: Rock n Roll ...